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    Cyber Office
    A Strong foundation Starting in the creative real estate business can be very fun and rewarding. Like starting any business the fun is in the challenge and in the learning. There is so much to learn. Put in the time, master the education curve and the money will come. To begin with, there are so many different innovative ways to create wealth in RE that it can be a source of overwhelming concern. I write this chapter to encourage you to begin with a logical approach to the task ahead. Learn to leverage your time!First and foremost, study as much FREE information as you can get your hands on. There are literally thousands of resources that can get you started. May I suggest the website www.WealthAddress.com. There you will find over 6,800 articles on creative RE. The articles there are free for you to consume. In addition you’ll find previously recorded teleseminars and other helpful resources.Also at www.WealthAddress
    ckages, the business and ways to advertise. Once you have sold 2 training packages at the same package level that you purchased, you become a Director for that level. There are four package levels: Entry Level, Level 1, Premier Level (includes Levels 1 and 2) and Platinum Level (includes Levels 1, 2 and 3). Each level gives you more opportunities to save on travel AND make more money.

    As mentioned above, your sponsoring Director (I will call her Sue) trains you and is motivated to train you well since she will make money off your first 2 sales. The members from those first 2 sales will pass their first 2 sales to Sue giving that her 4 more sales. (Remember, you get to keep all profits after your own 2 sales are passed up to Sue). Again, she is motivated to continue the train those 4 new members well so they succeed in selling and each will be able to pass two more sales to Sue, giving her 8 more sales. Again those 8 will be trained to create 16 more sales for Sue. I will call this process of growing sales the “Tree of Income.”

    Meanwhile, you are able to create your own Trees of Income from each of your subsequent sales. Each of those subsequent sales may create a

    What Are Most PowerPoint Slides Good For?
    Believe it or not, the answer is not NOTHING! Even though that is what most people who know me would expect me to say.I actually think that there is a role for the typical text-filled, bullet point laden PowerPoint slide, only it isn’t to be used on the PowerPoint projection screen. I love PowerPoint, including builds (that’s when you slide one new line of text on top of an existing page) on my computer, whether it is on a web site or as a separate document.Why is it OK in one place but not the other? Because I like to read on my computer (and no one really likes to read a big screen from 30 feet away). PowerPoint slides with building lines of text on a web site can be a great way to have people focus on one idea at a time and to go through lots of data. PowerPoint builds can keep people from skimming ahead. Also, reading a printout of the document after having gone through the presentation mode online is a nice way of rein
    As homeschooling parents, don’t you wish you had more income so you could travel more? Many homeschooling families make income sacrifices in order give their children the gift of being schooled at home. As homeschooling families, you are not constrained by school vacation schedules and can travel more and during non-peak times. Coastal Vacations is an ideal home business for homeschooling parents. In addition to the opportunity to make great money from home, the Coastal Vacations member can travel at up to 75% discounts thus stretching their income dollar. I am a homeschooling parent and have chosen Coastal Vacations for my home-based business. My honesty, integrity and generosity are 3 of my personality traits I faithfully guard. Please read this article, and learn how I came to this juncture in my life.

    I am an older parent (born in 1955) with two wonderful children, ages 8 and 10, and a loving, supportive husband. I homeschool our children, that is I teach our children instead of sending them to school. We live in Maine where I grew up but my husband grew up in Mississippi. Needless to say, Maine winters are very hard for him. In 2002, during my oldest’s first year of preschool, he had a great winter since we spent 3 weeks in February in Florida and the Bahamas. During that trip, we repeatedly said wouldn’t it be great if we could do this every year but knew that school vacation schedules would limit us.

    During that same trip, we ran into two homeshool families. We had never even heard of homeschooling. Most of our friends’ children were already in college. The thought of homeschooling was a bit overwhelming. When we got home, we read everything on homeschooling that we could find in the library and intra-library loan. Soon we started believing that homeschooling would the best way to educate our children while still giving us to freedom to travel whenever we wanted. That next fall, the fall of 2002, we started homeschooling and have been ever since.

    I love teaching my children and spending most of my time with them. The whole family loves that we can travel whenever we want which means we can always avoid crowds. Often when traveling, people will ask my children if they are on vacation. They reply, “We are in school and on vacation everyday.”

    Prior to homeschooling, I was a Professional Engineer working in the alternative energy field and then an attorney working primarily in real estate and commercial lending. Now that I am home with my children, I was looking for a home business to make some extra cash so we could continue to travel as we so enjoy. I wanted a business that I could do at home with my computer. Since we travel frequently, I am always searching for great travel deals. When I saw an article in “Home Business Connections” about Coastal Vacations, I was intrigued. Here was a business, I could do at home without having to store and ship large quantities of merchandise and in a field that I enjoy: travel. The business was marketing a product with which I had experience.

    In February of 2002, we were vacationing at the Resort on Cocoa Beach in Cocoa Beach, FL. We were told about a membership to an association that finds discount condo weeks for its members. We only (yeah right, only!) had to buy a one week timeshare at full price $18,000.00 and the membership for $2000.00. Despite the cost, the membership has been great. In the last 5 years, we have saved over $7000.00 to stay for 7 weeks in two bedroom condos in Florida and Hawaii. This savings does not include the 6 wonderful vacations we have had at the Resort on Cocoa Beach plus the ownership interest we have in that timeshare.

    From my experience with the discount condo association, I know that great savings can be realized just on discount condo rentals. With Coastal Vacations, I can get savings on so much more, practically every aspect of travel. Even if I did not want to create an online business selling Coastal Vacation packages, I would want the package just for the travel savings. Coastal Vacations is an association of home-based business owners who sell packages of discount vacation memberships and the opportunity to start a Coastal Vacations business. One just has to buy a vacation package to start the business, and then advertise.

    Coastal Vacations is not a MLM (multi-level marketing business) and is not an illegal pyramid scheme. After you buy your own package of discount vacation memberships, after just 2 sales, called “training sales,” all the profits from your subsequent sales are yours to keep. You are well rewarded for your own efforts and performance. The first 2 training sales are passed up to your sponsoring Director who trains the new members to understand the packages, the business and ways to advertise. Once you have sold 2 training packages at the same package level that you purchased, you become a Director for that level. There are four package levels: Entry Level, Level 1, Premier Level (includes Levels 1 and 2) and Platinum Level (includes Levels 1, 2 and 3). Each level gives you more opportunities to save on travel AND make more money.

    As mentioned above, your sponsoring Director (I will call her Sue) trains you and is motivated to train you well since she will make money off your first 2 sales. The members from those first 2 sales will pass their first 2 sales to Sue giving that her 4 more sales. (Remember, you get to keep all profits after your own 2 sales are passed up to Sue). Again, she is motivated to continue the train those 4 new members well so they succeed in selling and each will be able to pass two more sales to Sue, giving her 8 more sales. Again those 8 will be trained to create 16 more sales for Sue. I will call this process of growing sales the “Tree of Income.”

    Meanwhile, you are able to create your own Trees of Income from each of your subsequent sales. Each of those subsequent sales may create a

    How To Build A Cash Flow Model For Your Real Estate Investment Property
    Are you about to start investing in real estate? Or perhaps you've already put your toe in the water but want to learn more. Here is an overview of the factors you need to take a look at in order to project your potential return on an investment. Purchase price - obviously, the amount of money you put out for the property is significant in determining your investment outcome.The annual appreciation rate at which you expect the property's value to increase.How many years you expect to hold the property. Combined with the 2 figures above, this will enable you to estimate a future selling price.Number of rental units, and rent you expect to receive from each unit.Annual rate of rent appreciation.Expected unoccupancy rate - it's important to remember that tenants come and go, and will occasionally leave you with empty rental units. It's b
    of preschool, he had a great winter since we spent 3 weeks in February in Florida and the Bahamas. During that trip, we repeatedly said wouldn’t it be great if we could do this every year but knew that school vacation schedules would limit us.

    During that same trip, we ran into two homeshool families. We had never even heard of homeschooling. Most of our friends’ children were already in college. The thought of homeschooling was a bit overwhelming. When we got home, we read everything on homeschooling that we could find in the library and intra-library loan. Soon we started believing that homeschooling would the best way to educate our children while still giving us to freedom to travel whenever we wanted. That next fall, the fall of 2002, we started homeschooling and have been ever since.

    I love teaching my children and spending most of my time with them. The whole family loves that we can travel whenever we want which means we can always avoid crowds. Often when traveling, people will ask my children if they are on vacation. They reply, “We are in school and on vacation everyday.”

    Prior to homeschooling, I was a Professional Engineer working in the alternative energy field and then an attorney working primarily in real estate and commercial lending. Now that I am home with my children, I was looking for a home business to make some extra cash so we could continue to travel as we so enjoy. I wanted a business that I could do at home with my computer. Since we travel frequently, I am always searching for great travel deals. When I saw an article in “Home Business Connections” about Coastal Vacations, I was intrigued. Here was a business, I could do at home without having to store and ship large quantities of merchandise and in a field that I enjoy: travel. The business was marketing a product with which I had experience.

    In February of 2002, we were vacationing at the Resort on Cocoa Beach in Cocoa Beach, FL. We were told about a membership to an association that finds discount condo weeks for its members. We only (yeah right, only!) had to buy a one week timeshare at full price $18,000.00 and the membership for $2000.00. Despite the cost, the membership has been great. In the last 5 years, we have saved over $7000.00 to stay for 7 weeks in two bedroom condos in Florida and Hawaii. This savings does not include the 6 wonderful vacations we have had at the Resort on Cocoa Beach plus the ownership interest we have in that timeshare.

    From my experience with the discount condo association, I know that great savings can be realized just on discount condo rentals. With Coastal Vacations, I can get savings on so much more, practically every aspect of travel. Even if I did not want to create an online business selling Coastal Vacation packages, I would want the package just for the travel savings. Coastal Vacations is an association of home-based business owners who sell packages of discount vacation memberships and the opportunity to start a Coastal Vacations business. One just has to buy a vacation package to start the business, and then advertise.

    Coastal Vacations is not a MLM (multi-level marketing business) and is not an illegal pyramid scheme. After you buy your own package of discount vacation memberships, after just 2 sales, called “training sales,” all the profits from your subsequent sales are yours to keep. You are well rewarded for your own efforts and performance. The first 2 training sales are passed up to your sponsoring Director who trains the new members to understand the packages, the business and ways to advertise. Once you have sold 2 training packages at the same package level that you purchased, you become a Director for that level. There are four package levels: Entry Level, Level 1, Premier Level (includes Levels 1 and 2) and Platinum Level (includes Levels 1, 2 and 3). Each level gives you more opportunities to save on travel AND make more money.

    As mentioned above, your sponsoring Director (I will call her Sue) trains you and is motivated to train you well since she will make money off your first 2 sales. The members from those first 2 sales will pass their first 2 sales to Sue giving that her 4 more sales. (Remember, you get to keep all profits after your own 2 sales are passed up to Sue). Again, she is motivated to continue the train those 4 new members well so they succeed in selling and each will be able to pass two more sales to Sue, giving her 8 more sales. Again those 8 will be trained to create 16 more sales for Sue. I will call this process of growing sales the “Tree of Income.”

    Meanwhile, you are able to create your own Trees of Income from each of your subsequent sales. Each of those subsequent sales may create a

    Refinance Your Home Mortgage Online
    The largest financial obligation most people ever take on couldn’t escape the reach of the Internet. Home mortgage loans originated online comprise an integral part of one of the largest and most profitable aspects of the banking industry. Unlike many shifts in big business recently, this change actually seems to greatly benefit consumers by increasing competition and placing more financial control in the hands of homeowners.To finance or refinance a home in the olden days (before the Internet), you needed to find a mortgage lender, broker, or banker who wanted to make a loan for you. Though mortgage lenders always wanted to make good loans, the process of gathering information to compare interest rates, points, and loan programs among lenders presented a tedious task for borrowers. Without a centralized information source for mortgage rates, loan programs and financial advice, most people just called a few banks and went with the
    native energy field and then an attorney working primarily in real estate and commercial lending. Now that I am home with my children, I was looking for a home business to make some extra cash so we could continue to travel as we so enjoy. I wanted a business that I could do at home with my computer. Since we travel frequently, I am always searching for great travel deals. When I saw an article in “Home Business Connections” about Coastal Vacations, I was intrigued. Here was a business, I could do at home without having to store and ship large quantities of merchandise and in a field that I enjoy: travel. The business was marketing a product with which I had experience.

    In February of 2002, we were vacationing at the Resort on Cocoa Beach in Cocoa Beach, FL. We were told about a membership to an association that finds discount condo weeks for its members. We only (yeah right, only!) had to buy a one week timeshare at full price $18,000.00 and the membership for $2000.00. Despite the cost, the membership has been great. In the last 5 years, we have saved over $7000.00 to stay for 7 weeks in two bedroom condos in Florida and Hawaii. This savings does not include the 6 wonderful vacations we have had at the Resort on Cocoa Beach plus the ownership interest we have in that timeshare.

    From my experience with the discount condo association, I know that great savings can be realized just on discount condo rentals. With Coastal Vacations, I can get savings on so much more, practically every aspect of travel. Even if I did not want to create an online business selling Coastal Vacation packages, I would want the package just for the travel savings. Coastal Vacations is an association of home-based business owners who sell packages of discount vacation memberships and the opportunity to start a Coastal Vacations business. One just has to buy a vacation package to start the business, and then advertise.

    Coastal Vacations is not a MLM (multi-level marketing business) and is not an illegal pyramid scheme. After you buy your own package of discount vacation memberships, after just 2 sales, called “training sales,” all the profits from your subsequent sales are yours to keep. You are well rewarded for your own efforts and performance. The first 2 training sales are passed up to your sponsoring Director who trains the new members to understand the packages, the business and ways to advertise. Once you have sold 2 training packages at the same package level that you purchased, you become a Director for that level. There are four package levels: Entry Level, Level 1, Premier Level (includes Levels 1 and 2) and Platinum Level (includes Levels 1, 2 and 3). Each level gives you more opportunities to save on travel AND make more money.

    As mentioned above, your sponsoring Director (I will call her Sue) trains you and is motivated to train you well since she will make money off your first 2 sales. The members from those first 2 sales will pass their first 2 sales to Sue giving that her 4 more sales. (Remember, you get to keep all profits after your own 2 sales are passed up to Sue). Again, she is motivated to continue the train those 4 new members well so they succeed in selling and each will be able to pass two more sales to Sue, giving her 8 more sales. Again those 8 will be trained to create 16 more sales for Sue. I will call this process of growing sales the “Tree of Income.”

    Meanwhile, you are able to create your own Trees of Income from each of your subsequent sales. Each of those subsequent sales may create a

    Better Late Than Never - Register Your Published Photographs
    There’s no doubt that it’s easier to register your photographs before you publish them. But if you didn't get it done then, it's better late than never to register your published images. The good news is that it’s more convenient and cheaper than ever to register your photographs after they have been published.Pursuant to a recent change in copyright law, you now can register a group of published images on one form. The only requirements are that the photos must have been published in the same year, made by the same photographer and have the same copyright claimant. This should fit the profile of most photographers and their work.Another beneficial change in the law is that group registration of published images currently requires only one “deposit” or copy of the image. Previously, you had to submit two of the actual published copies. Now you can register your published images on one form, with only one deposit, one applic
    ful vacations we have had at the Resort on Cocoa Beach plus the ownership interest we have in that timeshare.

    From my experience with the discount condo association, I know that great savings can be realized just on discount condo rentals. With Coastal Vacations, I can get savings on so much more, practically every aspect of travel. Even if I did not want to create an online business selling Coastal Vacation packages, I would want the package just for the travel savings. Coastal Vacations is an association of home-based business owners who sell packages of discount vacation memberships and the opportunity to start a Coastal Vacations business. One just has to buy a vacation package to start the business, and then advertise.

    Coastal Vacations is not a MLM (multi-level marketing business) and is not an illegal pyramid scheme. After you buy your own package of discount vacation memberships, after just 2 sales, called “training sales,” all the profits from your subsequent sales are yours to keep. You are well rewarded for your own efforts and performance. The first 2 training sales are passed up to your sponsoring Director who trains the new members to understand the packages, the business and ways to advertise. Once you have sold 2 training packages at the same package level that you purchased, you become a Director for that level. There are four package levels: Entry Level, Level 1, Premier Level (includes Levels 1 and 2) and Platinum Level (includes Levels 1, 2 and 3). Each level gives you more opportunities to save on travel AND make more money.

    As mentioned above, your sponsoring Director (I will call her Sue) trains you and is motivated to train you well since she will make money off your first 2 sales. The members from those first 2 sales will pass their first 2 sales to Sue giving that her 4 more sales. (Remember, you get to keep all profits after your own 2 sales are passed up to Sue). Again, she is motivated to continue the train those 4 new members well so they succeed in selling and each will be able to pass two more sales to Sue, giving her 8 more sales. Again those 8 will be trained to create 16 more sales for Sue. I will call this process of growing sales the “Tree of Income.”

    Meanwhile, you are able to create your own Trees of Income from each of your subsequent sales. Each of those subsequent sales may create a

    Student Credit Cards
    Student credit cards are issued to high school, college and university students. The student credit card is beneficial in that they give students an opportunity to learn money management. At the same time, especially in the case of college and university students, the credit card is an excellent way to build up a credit report from a very early age. Skilful management of money that is made available ensures a good credit report, which will help the students after they graduate. A good credit rating guarantees easy loans they may need to purchase automobiles, houses and other basic necessities at a later period in life.High school student credit cards will be issued only if the application is co-signed by an adult. Pre-paid or stored value cards are a good option for high school students who may be immature and need time to learn money management. College student credit cards do not require a minimum income declaration or an adult
    ckages, the business and ways to advertise. Once you have sold 2 training packages at the same package level that you purchased, you become a Director for that level. There are four package levels: Entry Level, Level 1, Premier Level (includes Levels 1 and 2) and Platinum Level (includes Levels 1, 2 and 3). Each level gives you more opportunities to save on travel AND make more money.

    As mentioned above, your sponsoring Director (I will call her Sue) trains you and is motivated to train you well since she will make money off your first 2 sales. The members from those first 2 sales will pass their first 2 sales to Sue giving that her 4 more sales. (Remember, you get to keep all profits after your own 2 sales are passed up to Sue). Again, she is motivated to continue the train those 4 new members well so they succeed in selling and each will be able to pass two more sales to Sue, giving her 8 more sales. Again those 8 will be trained to create 16 more sales for Sue. I will call this process of growing sales the “Tree of Income.”

    Meanwhile, you are able to create your own Trees of Income from each of your subsequent sales. Each of those subsequent sales may create a Tree of Income and soon you will have many Trees of Income or a Forest of Income. Each person in the Tree of Income can create their own Trees of Income after their first two sales.

    Of course, some people may decide not to put the work and effort into their business and many never make a sale. Also, some may decide to buy the travel package for the travel discounts alone and not for the income potential. The above described Tree of Income is the best case scenario. If a Director does not work hard in training their members, those members may have a harder time getting started. If you chose Coastal, be sure to join a Director who is willing to train you well.

    The things that I love about Coastal Vacations are that I can: (1) receive travel discounts; (2) make good money at home using my brain and a computer (and some money to advertise); (3) learn the new exciting field of marketing on the internet which I can in turn teach my children as part of their homeschooling; (4) just have to advertise, and the call center will sell and close the sale for me; (5) help others learn how to use and advertise Coastal Vacations; (6) help non-profits with donations of travel; (7) help my homeschool friends and others who could use some extra money; and (8) market products of which I am proud and which I use myself.

    I am so convinced that the Coastal Vacations packages are such a good product that I joined Coastal Vacations at the Platinum Level. I plan to make back the cost of the package with travel savings, not to mention the income I make in the business.

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